{"id":780,"date":"2022-12-10T14:25:06","date_gmt":"2022-12-10T17:25:06","guid":{"rendered":"https:\/\/noticias-gerais.online\/?p=780"},"modified":"2023-02-21T23:33:15","modified_gmt":"2023-02-22T02:33:15","slug":"a-maneira-de-controlar-melhor-suas-financas-em-ocasioes-festivas","status":"publish","type":"post","link":"https:\/\/noticias-gerais.online\/sk\/a-maneira-de-controlar-melhor-suas-financas-em-ocasioes-festivas\/","title":{"rendered":"Najlep\u0161\u00ed sp\u00f4sob, ako spravova\u0165 svoje financie po\u010das sviatkov."},"content":{"rendered":"<p><span>Po\u010dasie sa za\u010d\u00edna ochladzova\u0165. M\u00f4\u017eete sa sch\u00fali\u0165 pri ohni s dobrou elektronickou knihou, po\u010d\u00fava\u0165 viano\u010dn\u00fa hudbu na opakovanie a tr\u00e1vi\u0165 \u010das rozhovormi s priate\u013emi a rodinou pri dobrom jedle. \u010co viac si u\u017ei\u0165?<\/span><\/p>\n<p><span>Sviato\u010dn\u00e9 obdobie hreje na\u0161e srdcia a du\u0161e, ale nikdy nebolo \u0165a\u017e\u0161ie pre na\u0161e pe\u0148a\u017eenky. V podstate pod\u013ea \u0161t\u00fadie Gallup z okt\u00f3bra 2022 minie priemern\u00fd dospel\u00fd v USA po\u010das sviatkov na dar\u010deky 1 400 932 dol\u00e1rov.<\/span><\/p>\n<p><span>A inform\u00e1cie z aplik\u00e1cie na rezerv\u00e1ciu spiato\u010dn\u00fdch letov Hopper predpovedaj\u00fa, \u017ee priemern\u00e1 cena letenky tam a sp\u00e4\u0165 po\u010das tohtoro\u010dn\u00fdch zimn\u00fdch pr\u00e1zdnin dosiahne 1 463 USD \u2013 \u010do je o 391 300 USD viac ako v rovnakom obdob\u00ed v roku 2021 a o 311 300 USD viac ako v roku 2019. Au.<\/span><\/p>\n<p><span>Bohu\u017eia\u013e, tieto v\u00fddavky s\u00fa len \u0161pi\u010dkou \u013eadovca. A \u010do ubytovanie a strava? A v\u0161etky ostatn\u00e9 drobn\u00e9 v\u00fddavky, ktor\u00e9 sa s\u010d\u00edtaj\u00fa?.<\/span><\/p>\n<p><span>Nemo\u017eno poprie\u0165, \u017ee dovolenky s\u00fa pravdepodobne najdrah\u0161\u00edm obdob\u00edm roka. Ale s riadnym pl\u00e1novan\u00edm si budete m\u00f4c\u0165 tieto poplatky dovoli\u0165 a vyhn\u00fa\u0165 sa \u010fal\u0161\u00edm v\u00fddavkom t\u00fato zimu.<\/span><\/p>\n<p><span>V tomto zozname sa s vami podel\u00edme o sedem z\u00e1kladn\u00fdch tipov na finan\u010dn\u00e9 riadenie, ktor\u00e9 v\u00e1m pom\u00f4\u017eu zosta\u0165 na spr\u00e1vnej ceste a vyhn\u00fa\u0165 sa zadl\u017eovaniu po\u010das sviatkov.<\/span><\/p>\n<p><span>Po\u010fme sa do toho ponori\u0165.<\/span><\/p>\n<p><span>1. Vytvorte si finan\u010dn\u00fd z\u00e1znam.<\/span><\/p>\n<p><span>Vedie\u0165, ko\u013eko pe\u0148az\u00ed m\u00e1te na \u00fatrate a ko\u013eko m\u00ed\u0148ate, v\u00e1m m\u00f4\u017ee pom\u00f4c\u0165 odhadn\u00fa\u0165 va\u0161u v\u00fddavkov\u00fa silu po\u010das sviatkov.<\/span><\/p>\n<p><span>Nem\u00e1te prepojenie s miestom doru\u010denia? Ria\u010fte sa pravidlom 50\/30\/20, kde z ka\u017edej v\u00fdplaty vy\u010dlen\u00edte 501 TP3T na nevyhnutn\u00e9 veci, 301 TP3T na drobn\u00e9 (napr\u00edklad n\u00e1kupy po\u010das prest\u00e1vok) a aspo\u0148 201 TP3T na z\u013eavy.<\/span><\/p>\n<p><span>Tajomstvo spo\u010d\u00edva v tom, \u017ee si \u010do najsk\u00f4r vytvor\u00edte rozpo\u010det na dovolenku. \u010c\u00edm viac \u010dasu si u\u0161etr\u00edte, t\u00fdm viac pe\u0148az\u00ed budete musie\u0165 min\u00fa\u0165 na kateg\u00f3rie v\u00fddavkov na dovolenku.<\/span><\/p>\n<p><span>Medzi \u0161tandardn\u00e9 kateg\u00f3rie v\u00fddavkov patria:<\/span><\/p>\n<ul>\n<li><span>dar\u010deky<\/span><\/li>\n<li><span>prest\u00e1vka v ceste<\/span><\/li>\n<li><span>Jedlo<\/span><\/li>\n<li><span>z\u00e1bava<\/span><\/li>\n<li><span>rozbi\u0165 dekor\u00e1ciu<\/span><\/li>\n<\/ul>\n<p><span>Pou\u017eite svoje v\u00fddavkov\u00e9 n\u00e1vyky z predch\u00e1dzaj\u00facich rokov, aby ste zistili, ko\u013eko svojich finan\u010dn\u00fdch prostriedkov m\u00e1te vy\u010dleni\u0165 do ka\u017edej kateg\u00f3rie.<\/span><\/p>\n<p><span>Na\u0161\u0165astie v\u00e1m v\u00fdpisy z bankov\u00e9ho \u00fa\u010dtu a kreditnej karty povedia v\u0161etko, \u010do potrebujete vedie\u0165 o tom, na \u010do (a kde) ste minul\u00fa sez\u00f3nu minuli svoje peniaze, aby ste si mohli nastavi\u0165 praktick\u00fd rozpo\u010det na nasleduj\u00facich 12 mesiacov.<\/span><\/p>\n<p><span>\u010ealej si vytvorte \u00fa\u010dtovn\u00e9 cvi\u010denia, ktor\u00e9 v\u00e1m pom\u00f4\u017eu udr\u017ea\u0165 si preh\u013ead o financi\u00e1ch a pos\u00fadi\u0165, ko\u013eko min\u00fa\u0165 a k\u00fapi\u0165 po\u010das sviatkov.<\/span><\/p>\n<p><span>2. Sledujte svoje v\u00fddavky.<\/span><\/p>\n<p><span>Sviato\u010dn\u00e9 obdobie m\u00f4\u017ee by\u0165 pln\u00e9 poku\u0161en\u00ed. Ak si ned\u00e1te pozor, \u013eahko sa v\u00e1m vymkne spod kontroly v\u00fddavky \u2013 a potom si zist\u00edte, \u017ee si zahryznete viac, ne\u017e dok\u00e1\u017eete zvl\u00e1dnu\u0165.<\/span><\/p>\n<p><span>Ak si v\u0161ak budete sledova\u0165 ka\u017ed\u00fd cent, na ktor\u00fd m\u00ed\u0148ate svoje finan\u010dn\u00e9 prostriedky, je pravdepodobnej\u0161ie, \u017ee sa budete dr\u017ea\u0165 svojich vopred definovan\u00fdch financi\u00ed.<\/span><\/p>\n<p><span>Preto si urobte invent\u00e1r v\u0161etk\u00fdch vec\u00ed, ktor\u00e9 ste si kedy k\u00fapili pre seba a ostatn\u00fdch. Tento z\u00e1znam m\u00f4\u017ee obsahova\u0165 v\u0161etko od dar\u010dekov pre priate\u013eov a rodinu a\u017e po dekor\u00e1cie do bytu a dokonca aj drobnosti, po ktor\u00fdch ste t\u00fa\u017eili cel\u00fd rok (napr\u00edklad ten nov\u00fd p\u00e1r trblietav\u00fdch prste\u0148ov).<\/span><\/p>\n<p><span>Potom si pozna\u010dte cenu ka\u017edej polo\u017eky \u2013 vr\u00e1tane ceny za doru\u010denie v ten ist\u00fd de\u0148, ak je to relevantn\u00e9 \u2013 a potom ich v\u0161etky s\u010d\u00edtajte. Od\u010d\u00edtajte t\u00fato sumu od pridelen\u00e9ho rozpo\u010dtu, aby ste zistili, ko\u013eko pe\u0148az\u00ed by ste si mohli odlo\u017ei\u0165 na m\u00ed\u0148anie do Vianoc.<\/span><\/p>\n<p><span>3. Maximalizujte odmeny a v\u00fdhody<\/span><\/p>\n<p><span>Niektor\u00ed \u013eudia \u017eij\u00fa \u010faleko od kreditn\u00fdch kariet, aby sa vyhli zadl\u017eeniu.<\/span><\/p>\n<p><span>Av\u0161ak, ak sa kreditn\u00e9 karty pou\u017e\u00edvaj\u00fa zodpovedne (\u010do je najpraktickej\u0161\u00ed sp\u00f4sob, ako min\u00fa\u0165 peniaze, na ktor\u00e9 sa v\u00e1m podar\u00ed n\u00e1js\u0165 peniaze), maj\u00fa mnoho v\u00fdhod, ktor\u00e9 m\u00f4\u017eete skvele vyu\u017ei\u0165 po\u010das celej dovolenky.<\/span><\/p>\n<p><span>V s\u00fa\u010dasnosti je na trhu ve\u013ea kreditn\u00fdch kariet, ktor\u00e9 pon\u00fakaj\u00fa neuverite\u013en\u00e9 bonusov\u00e9 programy v podobe bankov\u00fdch kariet, ako napr\u00edklad Chase Sapphire Reserve na ka\u017edodenn\u00e9 cestovanie a American Express Blue Cash Favored Card na vr\u00e1tenie pe\u0148az\u00ed.<\/span><\/p>\n<p><span>Tieto odmeny sa navy\u0161e daj\u00fa \u013eahko z\u00edska\u0165. Sta\u010d\u00ed pou\u017ei\u0165 svoju kreditn\u00fa kartu pri v\u00e4\u010d\u0161\u00edch n\u00e1kupoch (ako je benz\u00edn, potraviny, v\u00fddavky at\u010f.) a z\u00edskate odmeny alebo zdroje. Napr\u00edklad s kartou American Express Blue Money m\u00f4\u017eete z\u00edska\u0165 61 TP3T cashback za v\u0161etky n\u00e1kupy potrav\u00edn (a\u017e 1 TP4T 6 000 po\u010das 12 mesiacov).<\/span><\/p>\n<p><span>Sna\u017e\u00edte sa nakupova\u0165 na Vianoce s kreditn\u00fdmi kartami, ktor\u00e9 pon\u00fakaj\u00fa najlep\u0161ie odmeny alebo cashback. Mo\u017eno ste si tento v\u00fddavok u\u017e napl\u00e1novali, tak pre\u010do v podstate nez\u00edska\u0165 maxim\u00e1lnu odmenu za m\u00ed\u0148anie t\u00fdchto pe\u0148az\u00ed?<\/span><\/p>\n<p><span>Dokonca aj \u0161tudentsk\u00e9 p\u00f4\u017ei\u010dky pon\u00fakaj\u00fa ve\u013ea pe\u0148az\u00ed sp\u00e4\u0165 v podobe odmien. Tak\u017ee nezabudnite na tieto alternat\u00edvy, ako zarobi\u0165 peniaze m\u00ed\u0148an\u00edm finan\u010dn\u00fdch prostriedkov. Je to jasn\u00e1 vo\u013eba.<\/span><\/p>\n<p><span>Po \u0161tvrt\u00e9. Vyh\u00fdbajte sa impulz\u00edvnym n\u00e1kupom.<\/span><\/p>\n<p><span>M\u00f4\u017ee by\u0165 tie\u017e \u0165a\u017ek\u00e9 odola\u0165 nutkaniu k\u00fapi\u0165 viacero dar\u010dekov pre va\u0161u rodinu, najm\u00e4 ke\u010f v\u00e1m kreditn\u00e1 karta vy\u010derp\u00e1va pe\u0148a\u017eenku.<\/span><\/p>\n<p><span>Nenechajte sa v\u0161ak unies\u0165 duchom \u0161tedrosti. Ak tak urob\u00edte, pravdepodobne miniete ve\u013ea pe\u0148az\u00ed a niektor\u00e9 z t\u00fdchto n\u00e1kupov budete nesk\u00f4r na ulici \u013eutova\u0165.<\/span><\/p>\n<p><span>Namiesto toho si pred k\u00fapou \u010dohoko\u013evek in\u00e9ho dajte 24 hod\u00edn na prem\u00fd\u0161\u013eanie a polo\u017ete si niektor\u00e9 z t\u00fdchto ot\u00e1zok:<\/span><\/p>\n<ul>\n<li><span>Chcem tento tovar?<\/span><\/li>\n<li><span>Zapad\u00e1 t\u00e1to polo\u017eka do m\u00f4jho rozpo\u010dtu?<\/span><\/li>\n<li><span>Bude tento produkt st\u00e1le v akcii po\u010das nasleduj\u00facich 30 dn\u00ed?<\/span><\/li>\n<li><span>\u0160etril by som si peniaze na boj proti nie\u010domu in\u00e9mu?<\/span><\/li>\n<\/ul>\n<p><span>Ak sa na druh\u00fd de\u0148 zobud\u00edte s t\u00fa\u017ebou stla\u010di\u0165 sp\u00fa\u0161\u0165 a k\u00fapi\u0165 si to a je to najlacnej\u0161ia mo\u017enos\u0165, m\u00f4\u017ee to by\u0165 ist\u00e9. Ale ke\u010f sa zobud\u00edte a nepam\u00e4t\u00e1te si na dan\u00fa polo\u017eku, mali by ste ju bu\u010f necha\u0165 tak, ako je, alebo nie.<\/span><\/p>\n<p><span>5. Privyr\u00e1bajte si ved\u013eaj\u0161\u00edm zamestnan\u00edm.<\/span><\/p>\n<p><span>Dva zdroje miezd s\u00fa lep\u0161ie ako jeden. Preto, ak m\u00e1te pocit, \u017ee v\u00e1\u0161 pr\u00edjem bol za posledn\u00fdch 12 mesiacov n\u00edzky, neza\u0161kod\u00ed n\u00e1js\u0165 si in\u00fd zdroj pr\u00edjmu, ktor\u00fd v\u00e1m pom\u00f4\u017ee vyrovna\u0165 n\u00e1klady na diskontn\u00fa sadzbu.<\/span><\/p>\n<p><span>V\u017edy si m\u00f4\u017eete n\u00e1js\u0165 druh\u00fa pr\u00e1cu, napr\u00edklad pon\u00faka\u0165 n\u00e1m programy po\u010das \u0161pi\u010dky. Alebo sa m\u00f4\u017eete vyda\u0165 na v\u00e4\u010d\u0161iu podnikate\u013esk\u00fa dr\u00e1hu a za\u010da\u0165 s ved\u013eaj\u0161\u00edm zamestnan\u00edm, ktor\u00e9 v\u00e1m bude generova\u0165 pr\u00edjem dlho po sviatkoch.<\/span><\/p>\n<p><span>Napr\u00edklad, ak ste umelecky zalo\u017een\u00ed a radi p\u00ed\u0161ete, m\u00f4\u017eete si h\u013eada\u0165 pr\u00e1cu na vo\u013enej nohe ako p\u00edsa\u010d na dia\u013eku, ktor\u00fa m\u00f4\u017eete vykon\u00e1va\u0165 z pohodlia domova.<\/span><\/p>\n<p><span>Existuje mnoho in\u0161pirat\u00edvnych pr\u00edbehov o \u00faspechu, ktor\u00e9 v\u00e1s m\u00f4\u017eu povzbudi\u0165, napr\u00edklad 28-ro\u010dn\u00fd mu\u017e, ktor\u00e9ho ro\u010dn\u00fd pr\u00edjem sa v\u010faka pr\u00e1ci spisovate\u013ea na vo\u013enej nohe zv\u00fd\u0161il z 36 000 dol\u00e1rov na 378 000 dol\u00e1rov ro\u010dne.<\/span><\/p>\n<p><span>Pam\u00e4tajte v\u0161ak, \u017ee kombin\u00e1cia aspektov je ako vedenie podniku. Rovnako ako spolo\u010dnosti poskytuj\u00face verejn\u00e9 slu\u017eby musia sledova\u0165 metriky SaaS, aby pre\u017eili, mus\u00edte d\u00f4sledne upravova\u0165 zisky a straty, aby va\u0161e ved\u013eaj\u0161ie podnikanie fungovalo hladko.<\/span><\/p>\n<p><span>S tvrdou pr\u00e1cou a odhodlan\u00edm m\u00f4\u017ee zmena srdca nevyhnutne zmeni\u0165 v\u00e1\u0161 \u017eivot.<\/span><\/p>\n<p><span>6. Vyhnite sa strat\u00e9gii \u201ek\u00fap teraz, pla\u0165 nesk\u00f4r\u201c; zv\u00e1\u017ete alternat\u00edvne mo\u017enosti.<\/span><\/p>\n<p><span>Ak sa sna\u017e\u00edte kontrolova\u0165 svoj rozpo\u010det, ceny typu \u201ek\u00fap teraz, pla\u0165 nesk\u00f4r\u201c (BNPL) s\u00fa nev\u00fdhodn\u00e9.<\/span><\/p>\n<p><span>Tieto sp\u00f4soby faktur\u00e1cie ve\u013emi u\u013eah\u010duj\u00fa min\u00fa\u0165 viac finan\u010dn\u00fdch prostriedkov, ako si m\u00f4\u017eete dovoli\u0165, a vytv\u00e1raj\u00fa nepr\u00edjemn\u00fd precedens pre to, aby ste svoje peniaze minuli sk\u00f4r \u010di nesk\u00f4r.<\/span><\/p>\n<p><span>Pre\u010do? Preto\u017ee up\u00fataj\u00fa va\u0161u pozornos\u0165 po\u010das platby t\u00fdm, \u017ee pon\u00fakaj\u00fa alternat\u00edvne mo\u017enosti cien za mal\u00e9 s\u00fasta, v\u010faka ktor\u00fdm sa v\u00e1\u0161 n\u00e1kup zd\u00e1 by\u0165 lacnej\u0161\u00ed.<\/span><\/p>\n<p><span>Mnoh\u00e9 z t\u00fdchto programov v\u00e1s v\u0161ak penalizuj\u00fa za oneskoren\u00e9 platby a nepon\u00fakaj\u00fa \u017eiadnu v\u00fdhodu pre va\u0161e kreditn\u00e9 sk\u00f3re za v\u010dasn\u00e9 platby. Okrem toho s\u00fa poplatky za ome\u0161kanie, ktor\u00e9 nes\u00favisia s cenou, ove\u013ea vy\u0161\u0161ie ako poplatky \u00fa\u010dtovan\u00e9 v\u0161eobecn\u00fdmi kreditn\u00fdmi kartami.<\/span><\/p>\n<p><span>Ak si nie ste ist\u00ed, \u010di si m\u00f4\u017eete dovoli\u0165 uzavret\u00fa polo\u017eku v pl\u00e1ne, dvakr\u00e1t si premyslite, \u010di pou\u017eijete pl\u00e1n BNPL. Ak sa tak rozhodnete, tu je preh\u013ead zmluvn\u00fdch podmienok, ktor\u00e9 treba ma\u0165 na pam\u00e4ti, kedy s\u00fa va\u0161e platby splatn\u00e9 a ko\u013eko poplatkov za ome\u0161kanie alebo po splatnosti sa m\u00f4\u017ee nahromadi\u0165.<\/span><\/p>\n<p><span>7. Otvorte si sporiaci \u00fa\u010det s nadmern\u00fdm v\u00fdnosom.<\/span><\/p>\n<p><span>Vysoko v\u00fdnosn\u00fd z\u013eavov\u00fd \u00fa\u010det je nepochybne jedn\u00fdm z najlep\u0161\u00edch miest na umiestnenie va\u0161ich dovolenkov\u00fdch zliav. Samostatn\u00fd \u00fa\u010det v\u00e1m uber\u00e1 stabilitu denn\u00fdch zliav. A ke\u010f ho nebudete ma\u0165 na doh\u013ead, bude menej l\u00e1kav\u00e9 pou\u017ei\u0165 ho na financovanie v\u00e1\u0161ho \u010fal\u0161ieho n\u00e1kupu.<\/span><\/p>\n<p><span>Okrem toho, \u017ee va\u0161e peniaze s\u00fa bezpe\u010dne ulo\u017een\u00e9, m\u00f4\u017eu r\u00e1s\u0165 aj s rast\u00facimi sadzbami za vysokov\u00fdnosn\u00e9 hobby aktivity. Tak\u017ee ak budete ma\u0165 pr\u00edstup k peniazom na nakupovanie po\u010das sviatkov, budete ma\u0165 na \u00fa\u010dte viac pe\u0148az\u00ed ako predt\u00fdm.<\/span><\/p>\n<p><span>Svoju zaroben\u00fa z\u00e1\u013eubu m\u00f4\u017eete pou\u017ei\u0165 na financovanie \u010dasti dovolenkov\u00fdch v\u00fddavkov. Znie to idylicky, v\u0161ak?<\/span><\/p>\n<p><span>Balenie<\/span><\/p>\n<p><span>Nenechajte sviatky zmari\u0165 va\u0161e finan\u010dn\u00e9 ciele. Nie je ni\u010d lep\u0161ie ako za\u010da\u0165 nov\u00fd rok so spr\u00e1vnou hudbou a s poriadkom vo financi\u00e1ch.<\/span><\/p>\n<p><span>Aj ke\u010f je l\u00e1kav\u00e9 darova\u0165 dar\u010deky svojmu man\u017eelovi\/man\u017eelke a de\u0165om po\u010das sviatkov, je d\u00f4le\u017eit\u00e9 nepremrha\u0165 peniaze.<\/span><\/p>\n<p><span>S t\u00fdmito z\u00e1kladn\u00fdmi tipmi m\u00f4\u017eete lep\u0161ie spravova\u0165 svoje peniaze po\u010das tohto ru\u0161n\u00e9ho 12-mesa\u010dn\u00e9ho obdobia a s istotou prem\u00fd\u0161\u013ea\u0165 o svojich financi\u00e1ch v roku 2023.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>O clima come\u00e7a a esfriar.\u00a0Que voc\u00ea pode se aconchegar usando o fogo com um bom e-book, ouvir m\u00fasica de Natal repetidamente e passar o tempo conversando com amigos e familiares durante uma boa refei\u00e7\u00e3o.\u00a0O que n\u00e3o h\u00e1 mais para gostar? A temporada de f\u00e9rias aquece nossos cora\u00e7\u00f5es e almas, mas nunca \u00e9 t\u00e3o dif\u00edcil para [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-780","post","type-post","status-publish","format-standard","category-economia"],"_links":{"self":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/780","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/comments?post=780"}],"version-history":[{"count":0,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/780\/revisions"}],"wp:attachment":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/media?parent=780"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/categories?post=780"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/tags?post=780"}],"curies":[{"name":"pracovn\u00fd list","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}